JP2001023010A - Settlement method and system using portable telephone set - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a settlement method/system using a portable telephone set which can be easily popularized, can prevent a dishonest act and also enables its user to easily perform a settlement operation. SOLUTION: A portable telephone set 2 performs communication with an adjuster 1 and also is connected to a management device 3 via a telephone circuit. The device 3 authenticates the telephone set 2 and the adjuster 1 authenticates the device 3 via the telephone set 2. Meanwhile, an amount paid, payment items or the like are stored in a data storage part 24 of the telephone set 2 as adjustment information. Then the adjustment information is reused.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a settlement method and a system using a portable telephone, and more particularly, to a settlement method and a system using a portable telephone capable of performing settlement at the time of a commodity transaction or the like by an easy operation.

[0002]

2. Description of the Related Art In recent years, with the spread of mobile phones, the use of mobile phones for applications other than telephone calls has been proposed and implemented. A typical example is data communication, and data communication by a mobile phone is an important element supporting mobile computing.

[0003] In addition, as one of uses of a mobile phone for purposes other than telephone calls, it has been proposed to perform settlement using a mobile phone.
And JP-A-8-87655.

Japanese Patent Application Laid-Open No. 8-153248 discloses a "vending machine system" using a mobile phone. This vending machine makes it possible to make a payment by a postpay method by utilizing the fact that telephone numbers assigned to respective mobile phones are unique.

[0005] Also, Japanese Patent Application Laid-Open No. Hei 8-87655 discloses that
"Information processing system" for making payments using mobile phones
Is described. In this information processing system, for example, when purchasing a product at a vending machine, as shown in FIG.
Payment is made at the financial institution 503 using the mobile phone 502 into which the IC card is inserted.

At the time of payment (purchase of goods), first, the user performs an operation of requesting the provision of goods to the portable telephone 502 near the vending machine 501 (step 601). Subsequently, the operated mobile phone 502 performs a process of generating a sales request (step 602), and transmits a sales request to the vending machine 501 (step 603). The vending machine 501 that has received the sales request enters a state in which it can accept product selection from the user (step 604). When the user selects a product (step 605), the vending machine 501 performs a price notification process (step 605). 606), the price is notified to the mobile phone 502 (step 607), and the product is provided to the user (step 608).

[0007] On the other hand, the portable telephone 502 receiving the price notification
Stores the unsettled information based on the price in the IC card inserted therein (step 609). Thereafter, the mobile phone 502 performs a settlement request process (step 610), and transmits a settlement request to the financial institution 503 via the telephone line (step 611). The financial institution 503 that has received the settlement request authenticates the user (step 61).
2), a settlement process is performed (step 613). When the settlement processing is completed, the financial institution 503 sends a settlement completion notice to the mobile phone 502 (step 614), and the mobile phone 502 that has received the notification updates the unsettled information stored in the IC card to have been settled. An information update process is performed (step 615), and the process ends.

[0008] By performing such processing, the user can:
You can purchase products without cash.

[0009]

However, in the vending machine system described in the above-mentioned Japanese Patent Application Laid-Open No. 8-153248, only the portable telephone is used for personal identification, and the telephone possessed by the portable telephone is used. No communication function is used. Therefore, it is necessary to register usable identification information (register telephone numbers) in advance in all vending machines to be traded.

In the information processing system described in Japanese Patent Application Laid-Open No. 8-87655, authentication of a mobile phone by a financial institution is performed by setting the ID and telephone number of the mobile phone, the information in an IC card and the information in the financial institution. It is possible to carry out the authentication of the mobile phone by the vending machine, but the mobile phone ID, telephone number, IC
Since it is performed only with the information in the card, there is a possibility that an illegal act such as forgery of the IC card is performed.

It is an object of the present invention to provide a settlement method and a system using a mobile phone, which can be easily spread and can prevent fraudulent acts, and can be settled by a simple operation by a user.

[0012]

According to a first aspect of the present invention, there is provided a settlement method using a mobile phone for performing payment at a payment terminal by operating the mobile phone. While sending and receiving the information related to the settlement with the settlement terminal, performs communication with the management device via a wireless line, the settlement terminal,
Receiving the payment information transmitted from the management device via the mobile phone, authenticates whether the payment information is true or false, and performs the payment when the payment information is determined to be positive. I do.

According to a second aspect of the present invention, in the first aspect of the present invention, in the authentication of the settlement information, the settlement terminal generates a random number and transmits the generated random number to the management device via the mobile phone. And determining that the payment information received from the management apparatus includes the random number subjected to the predetermined encryption, as positive.

According to a third aspect of the present invention, in the first aspect of the invention, in the authentication of the settlement information, the settlement terminal generates a random number, and encrypts the generated random number via the mobile phone. The method is characterized in that the case where the decoded random number is included in the payment information transmitted to the management device and received from the management device is determined to be positive.

According to a fourth aspect of the present invention, in the first aspect of the present invention, the management device determines whether or not the mobile phone is registered in advance based on a telephone number or an individual number of the mobile phone. Is determined.

According to a fifth aspect of the present invention, in the first aspect of the present invention, the management device receives a password input by the user of the mobile phone to the mobile phone, and based on the received password. And determining the legitimacy of the user.

According to a sixth aspect of the present invention, in the first aspect of the present invention, the portable telephone sets the management device as a settlement request with an amount designated by a user among unsettled amounts presented by the settlement terminal. Is transmitted.

According to a seventh aspect of the present invention, in the first aspect of the present invention, the portable telephone stores information relating to the settlement, and causes the stored information to be used by another device.

In the invention according to claim 8, in the invention according to claim 1, the management device is configured to set a value within a limit set for the mobile phone based on a telephone number or an individual number of the mobile phone. It is characterized in that it is determined whether or not the settlement is made, and if the settlement is within the limit amount, the settlement terminal is permitted to make the settlement.

According to a ninth aspect of the present invention, there is provided a settlement system using a portable telephone for performing settlement at a settlement terminal by operating the portable telephone according to the first invention.
The mobile phone transmits and receives information related to payment permission at the payment terminal between a first communication unit that transmits and receives information related to payment to and from the payment terminal and a management device via a wireless line. A second communication unit, wherein the settlement terminal receives payment information transmitted from the management device via the mobile phone, and authenticates the authenticity of the payment information; A payment permission control means for permitting the payment when the payment information is determined to be positive by the means.

According to a tenth aspect of the present invention, in the ninth aspect of the invention, the authentication unit includes a random number generation unit that generates a random number, and the management unit manages the random number generated by the random number generation unit via the mobile phone. A determination unit that determines that the case where the payment information received from the management device includes the random number subjected to predetermined encryption is positive.

According to an eleventh aspect of the present invention, in the ninth aspect, the authentication unit includes a random number generation unit that generates a random number, an encryption unit that encrypts the random number generated by the random number generation unit, A random number encrypted by the encryption unit is transmitted to the management device via the mobile phone, and it is determined that the case where the payment information received from the management device includes the decrypted random number is positive. Determining means.

According to a twelfth aspect of the present invention, in the ninth aspect of the present invention, the management device determines whether or not the mobile phone is registered in advance based on a telephone number or an individual number of the mobile phone. And a mobile phone authentication unit for determining

According to a thirteenth aspect of the present invention, in the ninth aspect of the present invention, the management device receives a password input by the user of the mobile phone to the mobile phone, and based on the received password. And further comprising a user authentication means for judging the validity of the user.

According to a fourteenth aspect of the present invention, in the ninth aspect of the present invention, the portable telephone sets the management device as a settlement request with an amount designated by a user among unsettled amounts presented by the settlement terminal. And a settlement amount instructing means for transmitting the settlement amount.

According to a fifteenth aspect of the present invention, in the ninth aspect of the present invention, the portable telephone further comprises storage means for storing the information relating to the settlement, and the information stored in the storage means is stored in the first storage means. It is characterized in that it is transferred to another device via a communication means.

According to a sixteenth aspect of the present invention, in the ninth aspect of the invention, the portable telephone further comprises a storage unit for storing the information relating to the settlement, and stores the information stored in the storage unit in the second storage unit. It is characterized in that it is transferred to another device via a communication means.

According to a seventeenth aspect of the present invention, in the ninth aspect of the present invention, the management device includes limit amount management means for managing a limit amount corresponding to the portable telephone. Determine whether the payment is within the limit set for the mobile phone based on the phone number or individual number of the mobile phone, if the payment is within the limit, the settlement terminal And permitting settlement.

The invention of claim 18 is characterized in that, in the invention of claim 9, the first communication means is an optical communication means.

[0030] According to a nineteenth aspect, in the ninth aspect, the first communication means is an acoustic communication means.

According to a twentieth aspect, in the ninth aspect, the first communication means is a wireless communication means.

[0032] Further, according to the present invention, the settlement terminal transmits and receives information related to the settlement to and from the settlement terminal that performs settlement, and the settlement terminal communicates with the management device via a wireless line. And a second communication unit for transmitting and receiving information on the possibility of settlement in the above.

[0033] The invention according to claim 22 is a communication device for transmitting and receiving information regarding the possibility of settlement to and from a mobile phone, and a management device via the first communication means and the mobile phone. A settlement request sending unit for sending request information relating to settlement to a user, and authenticating the authenticity of the settlement information by receiving the settlement information transmitted from the management device via the first communication unit and the mobile phone. Authentication means, and a settlement permission control means for permitting settlement when the settlement information is determined to be positive.

[0034]

BEST MODE FOR CARRYING OUT THE INVENTION Hereinafter, an embodiment of a settlement method and system using a portable telephone according to the present invention will be described in detail with reference to the accompanying drawings.

FIG. 1 is a block diagram showing a schematic configuration of a settlement system using a mobile phone according to the present invention.
As shown in FIG. 1, the payment system includes a payment machine 1, a mobile phone 2, and a management device 3.

The payment machine 1 includes a communication unit 11 for communicating with the portable telephone 2 and a control unit 1 for controlling the entire payment machine 1.
2. It comprises a data storage unit 13 for storing product information and the like. The payment machine 1 is provided, for example, as a part of a register in a store, a part of an entrance gate of a movie theater or the like, or a part of a vending machine, and is used for settlement.

The mobile phone 2 is owned by the user who uses the payment machine 1, and includes a communication unit 21 for communicating with the payment machine 1, a control unit 22 for controlling the entire mobile phone 2,
It comprises a telephone communication unit 23 for making calls and data transfer, a data storage unit 24 for storing information (such as log information) related to the processed payment, and an antenna 25. In addition,
The mobile phone 2 may be of any communication system (telephone), including a simple mobile phone (PHS), a car phone, and the like.

The management device 3 is installed in a company that manages the settlement machine 1, a company that performs payment management, a financial institution, and the like. The telephone communication unit 31 and a control unit 32 that controls the entire management device 3 are provided. And a data storage unit 33 for storing various data relating to users such as telephone numbers and the like, and is connected to a base station 40 (actually, an exchange of a telephone company) via a telephone line 41.

Here, the communication unit 11 and the communication unit 21 will be described. The communication unit 11 and the communication unit 21 need only be able to transmit and receive data between the settlement machine 1 and the mobile phone 2, and may have any communication form. A case in which communication is performed using sound, radio waves, and the like will be described.

FIGS. 2 to 4 are diagrams showing the configurations of the communication unit 11 and the communication unit 21 when communication is performed by light, sound, and radio waves, respectively.

As shown in FIG. 2, when data is exchanged between the settlement machine 1 and the portable telephone 2 by optical communication, the communication unit 11a (corresponding to the communication unit 11) is provided inside the settlement machine 1. A signal processing unit 50 for converting a signal into a signal corresponding to a communication protocol using the signal, or performing a reverse conversion process and the like; and an optical-electrical converter for converting an electric signal into an optical signal and converting an optical signal into an electric signal. A light emitting unit 52 that emits light (infrared light) when transmitting data; and a light receiving unit 53 that receives light when receiving data. Similarly, the communication unit 2
1a (corresponding to the communication unit 21) includes a signal processing unit 55 that performs a process such as conversion between a signal inside the mobile phone 2 and a signal according to a communication protocol to be used, and an optical device that changes an electric signal and an optical signal. It comprises an electric conversion unit 56, a light emitting unit 57, and a light receiving unit 58.

When data is transmitted and received between the payment machine 1 and the mobile phone 2 by sound, as shown in FIG.
The communication unit 11b (corresponding to the communication unit 11) converts a signal inside the payment machine 1 and a signal corresponding to a communication protocol to be used, and performs conversion between an electric signal and an audio signal. It comprises a voice-to-electric converter 61, a speaker 62 that emits a sound (audible sound or ultrasonic wave) when transmitting data, and a microphone 63 that receives a sound when receiving data. Similarly, the communication unit 21b (corresponding to the communication unit 21) includes a signal processing unit 65 that performs processing such as conversion between a signal inside the mobile phone 2 and a signal corresponding to a communication protocol to be used, It comprises a voice-to-electrical conversion unit 66 for making changes, a speaker 67, and a microphone 68. Note that the speaker 67 and the microphone 68 of the communication unit 21b may share the speaker and the microphone for telephone calls of the mobile phone 2.

When data is transmitted and received between the settlement machine 1 and the portable telephone 2 by radio (radio wave), as shown in FIG. 4, the communication unit 11c (corresponding to the communication unit 11)
A signal processing unit 70 for converting a signal inside the device and a signal corresponding to a communication protocol to be used, a radio unit 71 for converting an electric signal to a radio signal, and a radio signal of a predetermined frequency. It comprises a transmitting section 72 for transmitting, a receiving section 73 for extracting a radio signal from a received radio wave, and an antenna 74. Similarly, the communication unit 21c (corresponding to the communication unit 21) includes a signal processing unit 75 that performs conversion between a signal inside the mobile phone 2 and a signal corresponding to a communication protocol to be used.
And a radio unit 76 for converting an electric signal to a radio signal, a transmission unit 77, a reception unit 78, and an antenna 79. By setting the frequency of the radio wave used in the communication between the communication unit 11c and the communication unit 21c to a predetermined value, the communication unit 2
The antenna 79 of 1c can be shared with the antenna 24 of the wireless telephone 2.

Next, a settlement (payment) process in this settlement system will be described. FIG. 5 is a diagram showing a flow of the settlement process, and FIG. 6 is a diagram for explaining an operation of the mobile phone 2. The payment machine 1 in the following description
Communication between the mobile phone 2 and the communication unit 11 and the communication unit 21
The communication between the mobile phone 2 and the management device 3 is performed via a telephone line (including a wireless line). Unless otherwise specified, signals transmitted and received by the settlement machine 1, the wireless telephone 2, and the management device 3 are processed by the control unit 12, the control unit 22, and the control unit 32, respectively.

As shown in FIG. 6A, the mobile phone 2 includes a display unit 26 and a key input unit 27. Here, when the user 9 operates the key input unit 27 of the mobile phone 2, for example, inputs F99, a payment start operation using the payment machine 1 is performed (step 101 in FIG. 5). When the settlement start operation is performed by the user 9, the mobile phone 2
Transmits a payment request signal to the payment machine 1 (step 10).
2). The payment machine 1 which has received the payment request signal transmits a payment permission signal to the mobile phone 2 if the payment processing is possible (step 103).

The mobile phone 2 that has received the settlement permission signal displays a settlement possible display screen as shown in FIG. 6B on the display unit 26 (step 104). Subsequently, when the user 9 performs an operation of designating a payment amount (step 10).
5), the mobile phone 2 sends a payment instruction signal to the payment machine 1 (step 106). The settlement machine 1 that has received the payment instruction signal performs a settlement request process (step 107).

Here, the user 9 designates the payment amount because the payment method of the settlement machine 1 is not a single method, but a plurality of users 9 use the individual mobile phones 2 to settle the bill. Or other payment processing such as cash or credit card. Also,
As a matter of course, when a single payment is preferable, such as at the entrance gate, the payment amount can be specified on the settlement machine 1 side.

The settlement request process generates payment information such as a payment amount designated by the user 9 and an item (product name or the like) to be paid and generates a random number. This is a process for generating a settlement request signal including the telephone number of the device 3.

The settlement machine 1 which has generated the settlement request signal transmits the settlement request signal to the mobile phone 2 (step 10).
8). Upon receiving the payment request signal, the mobile phone 2 displays a confirmation display screen as shown in FIG. 6C on the display unit 26 based on the received payment request signal (step 109). Thereafter, when a confirmation operation is performed by the user 9 (step 110), the mobile phone 2 sets the
Make a call to the management device 3 (steps 111 and 11)
2).

After receiving the call, the management device 3 authenticates the mobile phone 2 based on the telephone number, device ID, and the like (step 113). This authentication is performed based on information registered in the data storage unit 33 in advance. In addition, at the time of authentication of the mobile phone 2, the user 9 is prompted to input a password,
The authentication of the user 9 may be performed at the same time.

When the mobile phone 2 is authenticated, the management device 3
Returns the response to the mobile phone 2 (step 11).
4), the mobile phone 2 receiving this transmits a settlement request signal to the management device 3 (step 115). The management device 3 that has received the settlement request signal performs a provisional settlement process based on the signal (step 116).

The tentative settlement process may be various settlement methods, but may be a process of merely recording the user 9 and the settlement amount.

Subsequently, the management device 3 transmits a settlement permission signal (a random number included in the settlement request signal and the settlement permission signal) including the random number generated by the settlement machine 1 and included in the settlement request signal. (Step 117), and the mobile phone 2 transmits the received payment permission signal to the payment machine 1 (Step 1).
18). The settlement machine 1 that has received the settlement permission signal performs an authentication process of the management device 3 based on the signal (step 11).
9).

The authentication processing of the management device 3 by the settlement machine 1
This is performed based on the random number generated at the time of the settlement request processing in step 107. For example, when the settlement machine 1 encrypts a random number generated at the time of the settlement request process with a predetermined encryption algorithm and includes the random number in the settlement request signal, the management device 3 decrypts this and includes it in the settlement permission signal, and receives this. The settlement machine 1 compares the random number with the previously generated random number, and if the two match, authenticates the management device 3 assuming that the payment permission signal has been sent from the management device 3 that can be decrypted by a predetermined encryption algorithm.

On the contrary, the settlement machine 1 includes the random number generated during the settlement request processing as it is in the settlement request signal.
The management device 3 is configured to encrypt this with a predetermined encryption algorithm and include it in the payment permission signal, and the settlement machine 1 decrypts the encrypted random number included in the received payment permission signal, and The same authentication processing can be performed by comparing with a previously generated random number. In other words, the authentication of the management device 3 by the settlement machine 1 verifies whether or not both have the same encryption key. Settlement machine 1
When the authentication processing of the management device 3 by the
Performs a settlement process (step 120). The settlement process is
It differs depending on the type of the payment machine 1, that is, the case where the payment machine 1 is a part of a register or the case of an entrance gate. For example, in the case of a register, the same processing as when cash is received is performed, and in the case of an entrance gate, the gate is opened.

Subsequently, the settlement machine 1 transmits a settlement completion notice to the mobile phone 2 (step 121). The mobile phone 2 that has received the settlement completion notification transmits a settlement completion notification to the management device 3 (step 122), waits for a response (step 123), and disconnects the line (step 12).
4) The settlement information contained in the settlement request signal is stored in the data storage unit 24 (step 125).

On the other hand, the management device 3 that has received the settlement completion notification
Performs the main settlement process on the payment amount provisionally settled earlier (step 126), and the settlement process ends.

The data storage unit 33 of the management device 3 stores
Restriction information for each user 9 or mobile phone 2 is recorded, and at the time of provisional settlement processing in step 116, the permission information is determined with reference to the restriction information, and restrictions on the sale and entrance of alcoholic beverages to minors are made. You can also set a limit on the payment amount. When the limit is set for the payment amount, the management device 3 transmits a settlement permission signal in which only a part of the payment amount is settled and the remaining amount is set as unsettled information. However, as described above, when the settlement machine 1 desires a single settlement such as at an entrance gate, the settlement machine 1 transmits a settlement non-permission signal.

Further, a premium such as a point may be added to the settlement made using this settlement system.

Next, a second example of the settlement processing in the settlement system will be described. FIG. 7 is a diagram showing the flow of the settlement process in the second example.

Note that the processing here is the same as the above-described settlement processing (see FIG. 5) except that the flow of processing between the devices is different and the processing order is the same. Detailed description is omitted.

First, when the user 9 (or a clerk or the like) performs a settlement start operation on the settlement machine 1 (step 20).
1), the settlement machine 1 performs a settlement request process (step 20).
2) A settlement request signal is transmitted to the mobile phone 2 (step 203). Upon receiving the payment request signal, the mobile phone 2 displays on the display unit 26 that payment is possible (step 204).

Subsequently, when the payment setting operation is performed by the user 9 (step 205), the mobile phone 2 displays a confirmation message (step 206), and the user 9 confirms the display. When the operation is performed (step 207),
Make a call to the management device 3 (steps 208 and 20)
9).

After receiving the call, the management device 3 authenticates the mobile phone 2 based on the telephone number and the device ID (step 210), and returns a response to the mobile phone 2 (step 211). The mobile phone 2 that has received the response transmits a payment request signal to the management device 3 (step 212), and the management device 3 that has received the response performs a provisional payment process based on the signal (step 213).

Subsequently, the management device 3 transmits a settlement permission signal to the mobile phone 2 (step 214).
Transmits the received settlement permission signal to the payment machine 1 (step 215). The settlement machine 1 that has received the settlement permission signal performs an authentication process of the management device 3 based on the signal (step 216).

When the authentication process is completed, the settlement machine 1 performs a settlement process (step 217), and transmits a settlement completion notice to the mobile phone 2 (step 218). The mobile phone 2 that has received the settlement completion notification transmits a settlement completion notification to the management device 3 (step 219), waits for a response (step 220), and disconnects the line (step 22).
1), the settlement information is stored in the data storage unit 24 (step 222).

On the other hand, the management device 3 receiving the settlement completion notification
Performs the main settlement process on the payment amount provisionally settled earlier (step 223), and the settlement process ends.

By the way, in the above description of the settlement processing, in any case, the confirmation operation by the user 9 (steps 110 and 20)
After 7), the mobile phone 2 is making a call. However, when the management device 3 is managed collectively as in a management agency, the mobile phone 2 always calls the same telephone number, so that the call can be made at an early stage.

FIG. 8 is a diagram showing a flow of the settlement processing in the third example.

In the settlement processing described here, the basic processing is the same as the settlement processing shown in FIG. 5, except for the timing of calling. Although not described here, the timing of the call can also be made different in the settlement processing shown in FIG.

When the user 9 performs a settlement start operation from the key input section 27 of the mobile phone 2 (step 301),
The mobile phone 2 makes a call to the management device 3 based on a preset telephone number (step 302,
303).

After receiving the call, the management device 3 authenticates the mobile phone 2 based on the telephone number and the device ID (step 304), and returns a response if the authentication is successful (step 305).

Subsequently, the mobile phone 2 transmits a settlement request signal to the settlement machine 1 (step 306). The settlement machine 1 that has received the settlement request signal, if the settlement process is possible,
The settlement permit signal is transmitted to the mobile phone 2 (step 30).
7).

The mobile phone 2 that has received the settlement permit signal displays a settlement possible display screen (step 308), and the user 9
When the operation for setting the payment amount is performed (Step 3)
09), the mobile phone 2 sends a payment instruction signal to the checkout machine 1 (step 310). The payment machine 1 that has received the payment instruction signal performs a settlement request process (step 311).

The settlement machine 1 having generated the settlement request signal transmits the settlement request signal to the mobile phone 2 (step 31).
2). Upon receiving the payment request signal, the mobile phone 2 displays a confirmation display screen based on the received payment request signal (step 313). Thereafter, when the user 9 performs a confirmation operation (step 314), the mobile phone 2 2 transmits a settlement request signal to the management device 3 (step 315).

The management device 3 having received the settlement request signal performs a provisional settlement process based on the signal (step 316),
A settlement permission signal is transmitted to the mobile phone 2 (step 31)
7). The mobile phone 2 that has received the payment permission signal transmits this to the payment machine 1 (step 318), and the payment machine 1 that has received the payment permission signal performs authentication processing of the management device 3 based on the signal (step 318). 319).

When the authentication process is completed, the settlement machine 1 performs a settlement process (step 320), and transmits a settlement completion notice to the mobile phone 2 (step 321). The mobile phone 2 that has received the payment completion notification transmits a payment completion notification to the management device 3 (step 322), waits for a response (step 323), and disconnects the line (step 32).
4), the settlement information is stored in the data storage unit 24 (step 325).

On the other hand, the management device 3 that has received the settlement completion notification
Performs the main settlement process on the payment amount provisionally settled earlier (step 326), and the settlement process ends.

As shown in FIG. 8, even if the mobile telephone 2 makes a call immediately after the use operation (step 301) by the user 9, the data transfer such as the packet communication service is performed. As a result, there is no difference in the data communication fee due to the difference in the call timing.

By the way, in each example of the settlement processing described above,
The mobile phone 2 stores the settlement information in the data storage unit 24, and this settlement information can be used as statistical information such as a household account book.

For example, as shown in FIG.
When the (personal computer) 8 includes a communication unit 81 that can communicate with the communication unit 21 of the mobile phone 2, the data storage unit 24 via the communication unit 21 and the communication unit 81.
Can be transferred to the PC 8.

When the PC 8 does not include the communication unit 81, the PC 8 and the mobile phone 2 are connected by a data communication cable, or as shown in FIG.
8 is a modem (TA: including a terminal adapter) 82
Is provided, the settlement information can be transferred via a telephone line.

The transferred settlement information can be read directly by an application or converted into an arbitrary data format and processed.

[0084]

As described above, according to the present invention, the management device authenticates the mobile phone and the checkout machine authenticates the management device via the mobile phone. While preventing fraud,
The settlement process can be performed by an easy operation, and it is possible to flexibly cope with a split bill settlement using a plurality of mobile phones or a combination with another settlement method.

In addition, since not only the payment amount but also the item to be paid is treated as the settlement information, it is possible to limit the settlement on the management device side, and the portable telephone stores the settlement information, It can be used as information such as books.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a schematic configuration of a settlement system using a mobile phone according to the present invention.

FIG. 2 is a diagram showing a configuration of a communication unit 11 and a communication unit 21 when performing communication by light.

FIG. 3 is a diagram showing a configuration of a communication unit 11 and a communication unit 21 when performing communication by sound.

FIG. 4 is a diagram showing a configuration of a communication unit 11 and a communication unit 21 when performing communication by radio waves.

FIG. 5 is a diagram showing a flow of a settlement process.

FIG. 6 is a diagram for explaining the operation of the mobile phone 2;

FIG. 7 is a diagram showing a flow of a settlement process in a second example.

FIG. 8 is a diagram showing a flow of a settlement process in a third example.

FIG. 9 is a view for explaining a data transfer method between the mobile phone 2 and the PC 8;

FIG. 10 is a diagram showing a flow of a conventional product sales process.

[Explanation of symbols]

 REFERENCE SIGNS LIST 1 payment machine 2 mobile phone 3 management device 8 PC 11, 11a, 11b, 11c communication unit 12 control unit 13 data storage unit 21, 21a, 21b, 21c communication unit 22 control unit 23 telephone communication unit 24 data storage unit 25 antenna 26 Display unit 27 key input unit 31 telephone communication unit 32 control unit 33 data storage unit 40 base station 41 telephone line 50 signal processing unit 51 light-to-electric conversion unit 52 light-emitting unit 53 light-receiving unit 55 signal processing unit 56 light-to-electric conversion unit 57 Light emitting unit 58 Light receiving unit 60 Signal processing unit 61 Audio-electric conversion unit 62 Speaker 63 Microphone 65 Signal processing unit 66 Audio-electric conversion unit 67 Speaker 68 Microphone 70 Signal processing unit 71 Wireless unit 72 Transmitting unit 73 Receiving unit 74 Antenna 75 Signal Processing unit 76 Radio unit 77 Transmitting unit 78 Receiving unit 79 Antenna 81 Communication unit 82 Modem (TA)

 ────────────────────────────────────────────────── ─── Continuation of the front page (72) Inventor Hiroaki Shinada 2-2-2 Uchisaiwaicho, Chiyoda-ku, Tokyo F-term in Japan Conlux, Inc. (reference) 3E044 AA01 BA10 CA02 CA03 DA06 DC01 DC06 DD01 DE01

Claims (22)

[Claims] 1. A payment method using a mobile phone for performing payment at a payment terminal by operating a mobile phone, wherein the mobile phone transmits and receives information related to the payment to and from the payment terminal and establishes a wireless line. The payment terminal communicates with the management device via the management device, and the payment terminal receives the payment information transmitted from the management device via the mobile phone to authenticate whether the payment information is correct or not, and A settlement method using a mobile phone, wherein the settlement is performed when it is determined that the is positive. 2. The method according to claim 2, wherein the settlement terminal generates a random number, transmits the generated random number to the management device via the mobile phone, and transmits the generated random number to the payment information received from the management device. 2. The settlement method using a mobile phone according to claim 1, wherein a case where the random number subjected to predetermined encryption is included is determined to be positive. 3. The authentication of the payment information is performed by the payment terminal generating a random number, encrypting the generated random number, transmitting the encrypted random number to the management device via the mobile phone, and receiving from the management device. 2. The settlement method using a mobile phone according to claim 1, wherein a case where the settlement information includes the decrypted random number is determined to be positive. 4. The mobile phone according to claim 1, wherein the management device determines whether or not the mobile phone is registered in advance based on a telephone number or an individual number of the mobile phone. Payment method using telephone. 5. The management device receives a password input by a user of the mobile phone to the mobile phone, and determines the legitimacy of the user based on the received password. A settlement method using the mobile phone according to claim 1. 6. The mobile phone according to claim 1, wherein the mobile phone transmits an amount specified by a user among the unsettled amounts presented by the settlement terminal to the management device as a settlement request. Payment method using telephone. 7. The payment method using a mobile phone according to claim 1, wherein the mobile phone stores information related to the payment, and causes the stored information to be used by another device. 8. The management device, based on the telephone number or the individual number of the mobile phone, determines whether the payment is within a limit set for the mobile phone, and determines whether the payment is within the limit. 2. The settlement method using a mobile phone according to claim 1, wherein the settlement is permitted to the settlement terminal when the settlement is made. 9. A payment system using a mobile phone for performing payment at a checkout terminal by operating a mobile phone, wherein the mobile phone transmits and receives information related to payment to and from the payment terminal. A second communication means for transmitting and receiving information relating to permission for settlement in the settlement terminal to and from a management device via a wireless line, wherein the settlement terminal is configured to transmit and receive information from the management device via the mobile phone. Authentication means for authenticating the authenticity of the payment information by receiving the transmitted payment information, and payment permission control means for permitting the payment when the authentication means determines that the payment information is positive. A settlement system using a mobile phone, comprising: 10. The authentication unit includes: a random number generation unit configured to generate a random number; a random number generated by the random number generation unit transmitted to the management device via the mobile phone; and the payment information received from the management device. 10. A settlement system using a mobile phone according to claim 9, further comprising: a determination unit for determining that the case where the random number subjected to predetermined encryption is included is positive. 11. The authentication unit includes: a random number generation unit that generates a random number; an encryption unit that encrypts the random number generated by the random number generation unit; and a random number encrypted by the encryption unit. And a determination unit that determines that the case where the payment information received from the management device includes the decrypted random number is transmitted, and determines that the payment information is correct. Payment system using the described mobile phone. 12. The management apparatus further comprises a mobile phone authentication unit that determines whether or not the mobile phone has been registered in advance based on a telephone number or an individual number of the mobile phone. A settlement system using the mobile phone according to claim 9. 13. The management device, comprising: a user authentication unit that receives a personal identification number input to the mobile telephone by a user of the mobile telephone, and determines validity of the user based on the received personal identification number. The settlement system using a mobile phone according to claim 9, further comprising: 14. The mobile phone further comprises a payment amount instruction means for transmitting, as a payment request, an amount specified by a user among the unsettled amounts presented by the settlement terminal to the management device. A settlement system using the mobile phone according to claim 9. 15. The mobile phone according to claim 1, further comprising a storage unit configured to store the information related to the payment, wherein the information stored in the storage unit is transferred to another device via the first communication unit. A settlement system using the mobile phone according to claim 9. 16. The mobile phone according to claim 1, further comprising a storage unit configured to store the information related to the settlement, wherein the information stored in the storage unit is transferred to another device via the second communication unit. A settlement system using the mobile phone according to claim 9. 17. The management device further comprises limit management means for managing a limit corresponding to the mobile phone, wherein the limit management means controls the mobile phone based on a telephone number or an individual number of the mobile phone. 10. The payment terminal according to claim 9, wherein it is determined whether the payment is within the limit set for the telephone, and if the payment is within the limit, the settlement is permitted to the settlement terminal. Payment system using a mobile phone. 18. The settlement system using a mobile phone according to claim 9, wherein said first communication means is an optical communication means. 19. The payment system according to claim 9, wherein said first communication means is an acoustic communication means. 20. The settlement system using a mobile phone according to claim 9, wherein said first communication means is a wireless communication means. 21. A first communication means for transmitting / receiving information related to the settlement to / from a settlement terminal for settlement, and a method for transmitting / receiving information on whether settlement at the settlement terminal is possible to / from a management device via a wireless line. A mobile phone, comprising: a second communication unit that performs transmission and reception. 22. A first communication means for transmitting / receiving information on whether or not settlement is possible with a mobile phone, and sending request information on settlement to a management device via the first communication means and the mobile phone. A payment request sending unit for receiving the payment information transmitted from the management device via the first communication unit and the mobile phone; and an authentication unit for authenticating the authenticity of the payment information. A settlement permission control means for permitting the settlement when the settlement information is determined to be positive by the means.